Med pay insurance, or medical pay insurance, will pay any medical expense for you or any passengers in your vehicle in the case of an auto accident or related injury no matter who is at fault. Auto insurance is confusing, but this is a good option to include on your policy. If you are a business owner, this should definitely be part of your policy because med pay protects your employees as well.
You may have medical pay insurance and not realize it. Most North Carolina auto insurance policies have med pay coverage. If you are not sure, contact your insurance agent to find out.
What Med Pay Covers
If you were injured while riding in a car covered by med pay coverage, you might be eligible to collect from that insurance policy. If you were injured while riding in a car owned by someone else who does not have med pay insurance, then you may collect on your own policy. It is important to talk to your insurance company, so you know how much it will cover in the event of an accident. Each policy has a limit to how much it will cover.
If you are not at fault in the accident, then you may be compensated from the responsible party as well. Compensation includes medical bills, pain and suffering, and lost wages. In North Carolina, you can still claim your med pay insurance after being compensated by the person at fault.
If you want more information about how much medical pay coverage to include in your policy, click on the medical payments coverage video in our video gallery.
Kelly & West routinely handle medical pay insurance claims for our clients. We even negotiate with multiple insurance policyholders. If you or someone else you care for has been injured in an auto-related accident, contact us right away, especially if you are unsure if you have med pay coverage. There can be complications when making claims with insurance companies, so let the professional personal injury attorneys at Kelly & West do the hard work.
“Reggie Kelly is a fantastic attorney with fantastic paralegals. My wife and I have been using him and his firm since 1983 when we first purchased property in Harnett County 37 years ago. He offers excellent legal advice and guidance. He never gets in a hurry to get us out the door because of his next appointment. He always takes the time needed to check out all of the issues that might come up. Reggie Kelly is a proud American and he loves our country and he wants everyone to do well. Reggie Kelly is an even finer person than he is a fantastic attorney and we are very fortunate to also be able to call him and his wife Cheryl our friends. We give him a 10 STAR Review!”